First State Bank of Odem
Odem, TX · Cert 16334 · Peer group: banks under $1B in assets in TX (n=208-211) · Mustang Holdings Group LLC
State charter, non-member · FDIC · 4 branches
Q2 2026
$212.6MAssets
$106.1MLoans
$181.0MDeposits
$30.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets in TX (rank 140 of 208).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.36%
Rank 8 of 211
Net Interest Margin
4.90%
Rank 18 of 211
Efficiency Ratio
50.69%
Rank 42 of 211
Equity / Assets
14.28%
Rank 34 of 211
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 81% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.36% | 0.87% | 1.20% | 1.65% | Beats 96% | 8 / 211 | |
| Return on Equity | 16.55% | 7.52% | 11.67% | 14.58% | Beats 85% | 31 / 211 | |
| Net Interest Margin | 4.90% | 3.28% | 3.82% | 4.31% | Beats 91% | 18 / 211 | |
| Efficiency Ratio | 50.69% | 53.01% | 64.18% | 73.65% | Beats 81% | 42 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 33% | 140 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 14.39% | 11.72% | 14.45% | 19.57% | Beats 48% | 110 / 211 | |
| Total Risk-Based Capital Ratio | 14.39% | 11.94% | 14.78% | 20.30% | Beats 46% | 113 / 211 | |
| Equity / Assets | 14.28% | 9.41% | 11.06% | 12.94% | Beats 84% | 34 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 58.59% | 45.39% | 66.56% | 82.03% | 36th pctl | 133 / 208 | |
| Loans / Assets | 49.88% | 39.13% | 56.90% | 70.46% | 35th pctl | 137 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |